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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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3526 Cottage Cove Ln , Panama City Beach, FL 32408
$115,000
Est. Payment: $635.36/mo
0.19 Acres
Status: Active | Days on site: 23
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ELCR - E29927
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

MAJOR PRICE REDUCTION -- NOW OFFERED AT $115,000! An exceptional opportunity to build in gated Sanctuary Beach at a price that deserves a second look. Located at 3526 Cottage Cove Lane, this spacious 0.19-acre homesite is one of the larger lots in the subdivision and backs directly to the dedicated green space of Dragon's Ridge, creating a beautiful natural backdrop with added privacy and a peaceful setting. Design and build a custom coastal home with room to incorporate the indoor and outdoor living spaces that fit your lifestyle. For buyers who may have difficulty envisioning the possibilities of a vacant homesite, preliminary house and floor plans are available upon request to help bring the potential of this property to life. Sanctuary Beach offers the privacy of a gated residential community while keeping you conveniently close to Panama City Beach's beautiful beaches, marinas, boating, dining, shopping, and entertainment. With its generous lot size, green-space setting, desirable location, and new price of just $115,000, this is an opportunity to secure your piece of Panama City Beach and start creating the home you've been envisioning.
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Highlights

Listed by Marcy L O'Donnell , 848-220-5555 Luxe Coastal Realty , 848-220-5555. Emerald Coast Multiple Listing Services

Property Type

Vacant Land
Lot/Acreage
0.19

County

Bay

Area

27 - Bay County

 Neighborhood

Sanctuary Beach

Listing ID

1009057

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Interior Features

Exterior Features

Lot Dimensions:75 x 85
Zoning:Resid Single Family
Principal Interest
$635
Taxes
$93

Home Price

$115,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$23,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$635.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $635.36 $93.43 $0.00 $728.79
Yearly $7,624.30 $1,121.12 $0.00 $8,745.42
Total $228,729.04 $33,633.60 $0.00 $262,362.64

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T04:14:31.000Z

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